GDR trace/global dept recovery

[Worried very much]

Good afternoon,

 

 

I received a withheld phone call on tues 19th April asking for my ex husband,

told them he doesn't live and as never lived here,

 

 

they asked if I knew where he is,

I said I've not seen him for 19 years,

then asked about me as this is a joint dept from 19+ years ago,

I was so silly to answer their security question and give them my mobile and email address.

 

 

Wednesday I received a letter from gdr trace saying that they think I'm the person there client wishes to contact,

 

 

I've not phoned them as yet as this was posted on the 18th before my phone call on the 19th,

obviously they are working together.

 

 

It was a messy devorce which ended my house got repossessed,

I've never hidden away as I still pay a monthly payment to this.

 

 

They said they sent a letter in 2001 to that address and whoever lived there said I didn't live there,

I know for a fact my ex would not say he owed this dept or made any contact,

I would think this would be statued barred,

 

 

I'm so worried at the min about all this and would love for some advice,

I've seen the template letters that can be send and would this stop contact,

somehow I don't think so with this company.

 

 

I've looked as well on my credit file and everything is ok there.

I'm waiting to still received the letter that they said on the phone call, but have not as yet,

they told me I had 2 weeks to get back to them when I do get this letter,

 

 

many thanks in advance

 

 

I also don't want my ex's name on any letters as this one from GDR TRACE

had both our names on it.

[dx100uk]

silly billy

never talk to powerless DCA's over the phone

they ARE NOT BAILIFFS

and have NO SUCH LEGAL POWERS.

 

 

now you ndicate you are paying 'someone' 'something' on this debt already?

 

 

whats it all about

you should not be blindly paying anyone on debts this old

 

 

dx

[ericsbrother]

return letter as no one at this address of that name.

the debt is undoubtedly SB so they have no powers to do anything other than worry you. Once you believe that they have no powers then you wont be worried and it is game over. They will give up chasing once they realise they are spending money getting nowhere and you can report them if they dont desist when told to.

[Worried very much]

Awe no, I was really shocked to be honest, I've got the letter from global today, with a print out letter from back in 2006 they have sent, is it worth sending the sb letter, many thanks again

[ericsbrother]

no, dont waste a penny on the letter, let them do the running and waste their time and money, they cannot do anything harmful.

[Worried very much]

Awe I'm feeling really sick about this, because I gave them the security question they now know it's me, help please

[dx100uk]

so you are not paying this

but are still paying a repo shortfall to someone.

 

 

dx

[Worried very much]

Yes, it was the same bank (TSB) so why would this not have flagged up years ago, this was a personal loan

[dx100uk]

when did you last pay anything? on the loam?

if it was all those years ago

ignore the powerless dca.

 

 

as for the repo

are you still paying TSB or some debt buyer now?

 

 

 

 

dx

[Worried very much]

I would say 18 1/2 to 19 years ago, yes I'm still paying the repo, not to TSB, another company, def not this one many thanks

[dx100uk]

urm...so it started with TSB and then passed around

have you or can you list all those that have been paid.

was it an instant start to repaying the shortfall

or some years later

some company wrote to you.

 

 

dx

[Worried very much]

It was about a year later someone wrote to me, I sent them copies of solicters letters to try and stop the repo and asked if they would half the shortfall, which they did, I've been paying monthly payments ever since, no one can find my ex, I've had calls in the past,

[Worried very much]

I've been Doing a lot of research this past couple of days about this company, it seems like they are not nice at all, feeling sacred but thank you all for your comments

[fkofilee]

Dont be scared! Dont "Worry very much" and welcome to CAG.

 

GDR trace are a no powers DCA and seems like this debt could indeed be well Statute Barred

[dx100uk]

It was about a year later someone wrote to me, I sent them copies of solicters letters to try and stop the repo and asked if they would half the shortfall, which they did, I've been paying monthly payments ever since, no one can find my ex, I've had calls in the past,

 

 

something wrong there.

 

 

who wrote

who are you paying now

dx

[Worried very much]

ThNk you very much, but I am worried, would you sent the sb letter? Many thanks

[fkofilee]

ThNk you very much, but I am worried, would you sent the sb letter? Many thanks

 

That's debatable... In this scenario no... Ignore it for now if they go legal and you haven't paid it for 6 years then it's game over for them...

 

When was the last payment?

[Worried very much]

I'm now paying a company called drydensfairfax, thanks in advance

[Worried very much]

The last payment would have been over 18 years ago, thank again, I'm more worried as I gave my mobile and email address

[dx100uk]

ignore GDR nowt they can do

 

 

drysden usually collect for clients

who is their client please

 

 

no don't send GDR anything

its sb

end off

just remember

they ARE NOT BAILIFFS

[Worried very much]

I pay Drysden for the repo, it wasn't them at the beginning, it changed to them a few years back. It's more this loan I'm worried about that's not been paid for over 18 years, can't understand it after this long. Thank you for all your kind comments, I will ignor for now, thanks again

[dx100uk]

loans dead it sb'd end off.

 

 

I bet none of your payments are getting back to the original mortgage provider

are you getting better than annual statements?

[Worried very much]

No, not had any statments on the repo for ages, could do with ringing them up.

 

 

I'm not worried about that, it's GDR,

I don't want the stress of the phone call etc,

 

 

thanks everyone for your help,

been reading all the forums

and it's sounds like they are coming it all the time ,

many thanks again .

[InfoGeek]

Do NOT pay them

They are powerless to collect

Been sending me phishing letters for 3 years now, toothless gormits

They cannot do anything

Do not phone or write letters to them, just ignore

Also if they do call, tell them dont call again and to put everything in writing

They are not even registered to collect any debts

[renegadeimp]

No, not had any statments on the repo for ages, could do with ringing them up. I'm not worried about that, it's GDR, I don't want the stress of the phone call etc, thanks everyone for your help, been reading all the forums and it's sounds like they are coming it all the time , many thanks again .

 

What part of stop worrying about them, and that they cannot do ANYTHING, dont you understand? Youre being cash cowed because youve been marked as gullible.